Card Details

7543 9245 2609 4757

RBL Bank Aspire Banking Credit Card

RBL BANKVISA

Card Issuer

RBL Bank

Joining Fee

₹1,500

Annual Fee

Zero

Reward Type

Cashback

Changes to this card

  1. 1 Oct 2026

    Fixed Deposit interest rate lowered from 7.2% to 7%

Earn Points

3% Cashback

On flights & hotels via rbl bank rewards portal

3% Cashback

On shop & vouchers via rbl bank rewards portal

1% Cashback

On all eligible purchases (max ₹1,000 per billing month)

Benefits

Shopping

3% cashback on RBL Bank Rewards Portal purchases

  • 3% unlimited cashback on RBL Bank Rewards Portal categories
  • 1% cashback on other eligible purchases, capped at INR 1,000 per billing month.
Lounges

1 domestic airport lounge visit per calendar…

  • 1 domestic airport lounge visit per calendar quarter after INR 35,000 in eligible purchases
  • 1 lounge visit at major airports in India per calendar quarter.

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: railways, fuel, utilities, wallet, quasi-cash, rent, insurance, education, government, contracted services, cash, emi

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Eligible retail spends

1% cashback on eligible retail, capped at ₹1,000 per billing cycle

₹300

Total Annual Return

₹3,600

1% Effective ROI

Things to Keep in Mind

Zero annual fee is stated specifically for Aspire Banking customers.

Fuel and Railways are listed as excluded MCC categories for cashback, milestone and lounge eligibility.

Lounge access requires eligible purchases of INR 35,000 or more.

Cashback exclusions and mechanics are subject to Product T&C.

Fuel, utilities, insurance, quasi-cash, railways, rent, education, wallets, government services, cash, EMI conversions and other listed categories are excluded from cashback, milestone benefits and lounge eligibility.

The lounge benefit requires eligible purchases of at least INR 35,000.

Card insights

Monzy Score

5.5/ 10

Average for online shoppers.

3% cashback on flights, hotels and vouchers via the RBL portal; only for RBL Aspire Banking customers.

Alternatives

If you spend…

Recommendation

Not Aspire customer

Apex Credit Card

Fuel spends

IndianOil RBL Bank Credit Card

Online shopping

Cookies Credit Card

Frequently Asked Questions

RBL Bank. It is linked to RBL's Aspire Banking relationship and is a different product from IDBI's Aspire Platinum card.

The catch: "free" only for Aspire Banking customers

The RBL Aspire Banking Credit Card carries a ₹1,500 + GST fee, and RBL waives it for customers of its Aspire Banking relationship. It does not state a spend-based waiver for anyone else. If a sales agent tells you the card is lifetime free, check whether you actually hold Aspire Banking status first. Users report RBL agents promising free cards that later carried fees, and that is the biggest complaint attached to RBL cards in our research.

If you do qualify, the card is one of RBL's better earners. This is RBL Bank's card; it is not the IDBI Aspire Platinum Credit Card or Canara Bank's Aspire debit card, which share the name.

3% back, but only through one door

  • 3% on flights, hotels, shopping and vouchers booked through the RBL Rewards Portal, uncapped.
  • 1% on other eligible spends, capped at ₹1,000 a month (you reach that at ₹1 lakh).
  • ₹1,500 milestone cashback at ₹3 lakh of eligible yearly spend, and ₹3,000 more at ₹5 lakh.

Book the same hotel on another site and you get 1%, not 3%. Compare portal prices before you book.

A ₹5 lakh year on Aspire

Put ₹1.5 lakh through the portal and ₹3.5 lakh on other eligible spends, about ₹29,000 a month. That earns ₹4,500 plus ₹3,500. If the two milestones stack, add ₹4,500 for about ₹12,500, or 2.5%, with no fee. If the ₹3,000 replaces the ₹1,500, the total is ₹11,000, about 2.2%. RBL's page does not make this clear, so confirm before you plan around it.

The exclusion list is long

Fuel, utilities, insurance, quasi-cash, railways, rent, education, wallets, government services, cash and EMI conversions earn no cashback. They also do not count toward the milestones or the lounge condition. For many households that removes rent, school fees and bills, which are the biggest monthly items.

The lounge benefit is 1 domestic visit per quarter after ₹35,000 of eligible spend. You also get a monthly BookMyShow buy-one-get-one, up to ₹150 off the second ticket.

Should you apply for Aspire Banking?

Apply if you are already an Aspire Banking customer, book travel or gift vouchers often, and will route them through RBL's portal. At zero fee it is better than RBL's own Apex Credit Card on every line.

Skip it if you are not an Aspire customer, if most of your spend falls in the excluded categories, or if a bank's support record matters to you. Users describe slow, unhelpful RBL service and pushy collections, though those threads are about RBL in general rather than this card.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva